Urbana, IL · Charter 64481
NCUA · 1 branch
Q1 2019
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.85% | -2.49% | -1.58% | -0.24% | -4.84% | -569 bps | |
| Return on Equity | 7.38% | -24.11% | -16.32% | -2.31% | -44.35% | -5,174 bps | |
| Net Interest Margin | 4.63% | 4.52% | 4.37% | 4.25% | 4.00% | -63 bps | |
| Efficiency Ratio | 70.62% | 79.12% | 86.90% | 135.46% | 97.38% | +2,676 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -7.35% | -1.43% | 3.54% | 6.12% | 3.12% | +1,047 bps | |
| Loan Growth (YoY) | -24.06% | -21.80% | -17.96% | -21.61% | -15.52% | +854 bps | |
| Share Growth (YoY) | -3.17% | -0.04% | 5.72% | 7.49% | 3.90% | +707 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 5.83% | 0.00% | 0.19% | 0.16% | 1.52% | -431 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.18% | 2.18% | 2.43% | 2.00% | 2.22% | -95 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.56% | 10.34% | 9.69% | 10.44% | 10.90% | -66 bps | |
| Net Worth / Assets | 11.56% | 10.34% | 9.69% | 10.44% | 10.90% | -66 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 76.66% | 74.28% | 69.47% | 63.20% | 62.33% | -1,433 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |